About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary:

We are seeking motivated and experienced professionals to join our Audit Committee, an independent body reporting directly to the Board of Supervisors. This key committee oversees the audit and examination functions conducted by the bank’s Internal Auditors and regulators, ensuring adherence to the highest standards of accountability and financial integrity.

Job Details:

Title	Member of Audit Committee	# of Vacancies	1
Nationality	International	Grade, Salary	As per the Bank salary scale
Type	Part Time	Closing date	November 24, 2024
Duration	Long Term	Location	Hybrid Position
Vacancy ID.	FMFB-HR-0155-2024	Gender	Male / Female

Duties:

• Participate in quarterly meetings to review and evaluate comprehensive Internal Audit Reports submitted by the Chief Internal Auditor, review and approve the bank financial statements presented by the Chief Finance Officer and External Auditor.
• Participate any other ad-hoc meetings that is called by the Chairman of BoS or Chairman of AC.
• Ensure the audit and examination functions are aligned with the bank’s operational goals and regulatory requirements.
• Provide objective assessments of the bank's risks, control environment, and compliance framework.
• Recommend improvements to enhance operational efficiency, risk management, and internal controls.
• Collaborate with other committee members and act cohesively to provide sound advice and actionable insights to the Board of Supervisors.
• Assist in overseeing the selection, performance, and effectiveness of the Chief Internal Auditor and the internal audit team.
• Ensure that corrective actions are implemented promptly, following recommendations from audit reviews and regulatory findings.
• Perform other tasks related to the above as determined by the Audit Committee of the Board of Supervisors.

Job Specification:

Education:

• At least bachelor's degree in one of the following fields: Economics, Finance, Accounting, Business Administration, Law or membership of ACCA.

Certifications:

• Possession of CIA or any other certified internal auditor is mandatory.
• CSAA certification from the AAOIFI is an added plus.  

Professional Experience:

• A minimum of five years of managerial experience in the audit sector of banking or seven years of managerial experience in the audit field of any financial institution.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at executive.vacancy@fmfb.com.af  and cc info.bsd@dab.gov.af

Please make sure that your email includes the vacancy ID as the subject line

About FMFB-A:

As a background, FMFB-A started its operation in 2004, and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Details:

Title	Shariah Board Member	# of Vacancies	1
Nationality	Afghan	Grade, Salary	Bank Salary Scale
Type	Part-Time	Closing date	November 19, 2024
Duration	Long Term	Location	Head Office, Kabul
Vacancy Number	FMFB-HR-0149-2024	Gender	Male

Position Duties and Responsibilities:

• Performing an oversight role on Shariah matters related to the Bank’s Islamic operations and activities through the observations and reports from the Shariah Department by identifying possible Shariah issues, if any, and proposing the necessary corrective measures.
• Providing Shariah compliance across all products, services, and operations of the institution.
• Assisting the Management or any related party thereof in overseeing the enforcement and implementation of the Shariah Board resolutions.
• As the Shariah Board member has the responsibility to disclose sufficient information on the Bank’s state of compliance in its annual financial report as per the requirements under applicable laws during the tenure of the Shariah Board’s appointment.
• Providing clarifications and opinions and where relevant, issue resolutions on matters pertaining to both generic and specific issues associated with Shariah principles that require a Shariah opinion.
• Approving all products, manuals, policies and procedures submitted by Shariah Department.
• Performing an oversight role on any Shariah matters post-approval to ensure that all of the Shariah requirements as set out in its guidelines and resolutions are followed by the Bank.
• To be the sole point of reference and highest authority in all Shariah matters relating to banking and finance.
• To advise on such other functions as may be prescribed by DAB from time to time only about Shariah matters.
• Issuing opinions on how the Banks should address and rectify any Shariah non-compliant practices.
• In addition to the abovementioned duties and accountabilities, the members of the Shariah Board are expected to observe other relevant provisions herein contained.
• Other duties and accountabilities of the Shariah Board and the governing operation procedures for the Shariah Board shall further be spelt out in the terms of reference (hereinafter referred to as “TOR”) of the Shariah Board and the Bank.

Job Specifications:

Education:

Candidates must possess at least a bachelor's degree in Shariah from a recognised university

Experience:

• At least three years of experience in bank operations or business, or a minimum of five years of full-time teaching experience in "Fiqh al-Muamalat" (Islamic commercial jurisprudence) or "Usul al-Fiqh" (the principles of Islamic jurisprudence).

Certification:

• Certification: CSAA of AAOIFI will be an added plus. 

Skills & Competencies:

• Excellent written and verbal communication Skills.
• Proficiency in national language/s and English.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at executive.vacancy@fmfb.com.af  and cc info.bsd@dab.gov.af

Please make sure that your email includes the vacancy ID as the subject line.

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

This role sits at the very core of FMFB-A business and customer services.  The Client Relationships Officer role play an integral role in Handling customer services and directly dealing with customer services. The incumbent of this position is responsible to respond customer queries, providing account statements including loan schedules to customers, provide account statements, account opening forms to customers, cross sell and up sell banking products and services to customers including Online Banking, ATM cards, Mastercard debit card and Credit cards.

CRO shall be the focal point for customers to contact and he/she must ensure excellent customer services provided to customers and also very patiently and politely explain bank product and services to potential customers of the bank. Following will be specific responsibilities of CRO position.       

Job Details:

Title	Client Relationship Officer	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Duration	Permanent	Closing date	November 10, 2024
Type	Full Time	Gender	Male / Female
Vacancy. #	FMFB-HR-0154-2024	Location	Darwaz Branch

Duties and Responsibilities:

• Welcome all the clients/customers in the bank with a very polite and highly professional manner.
• Received Customer documents and official documents including letters/application letters from corporate customers/borrowers.
• Listen to customers attentively and respond to their queries.
• Handle customer complaints and take appropriate actions to resolve them to achieve customer satisfaction within bank policies and guidelines.
• Supervise assistant/junior CROs (if any) to ensure world class customer service is available in branch.
• Provide account statements, loan schedule statements, account opening forms, KYC form and help with filling MELD Forms
• Assist and guide customers with filling the forms, ensure simple and understanding language is used for various customer to help them with better understanding of bank products and services.
• Call customers to provide information and update customers on their pending queries from the bank.
• Maintain contact details of high net worth customers/borrowers and big depositors, ensure to send bank greetings on several happy occasions during the year.

Cross Selling Responsibilities

• Cross sell Bank ATM cards, Mastercard debit card and Credit Cards to depositors and loan clients during their visit to branch.
• Explain bank facilities, convenience and benefit of cards to customers to educate about services and make sure the card issuance targets are achieved by branch.
• Promote Online Banking services of the bank to existing and potential customers of the bank, encourage customers to use Online Banking.
• Ensure up selling and crossing selling of bank products and services to existing and potential customers.

Account Opening and KYC Responsibilities

• Assist the customers with filling bank accounts in the branch.
• Take interview and fill KYC forms of the customers in the branch.
• Update KYC forms of all customers and make sure account documentation is completed.
• Ensure to complete KYC requirements for accounts on regular basis.
• Contact and call customers for missing documents and ensure customer documentation is completely hand over to Branch Assistants.

AML and CFT Responsibilities

• Review documents of customers and as first line of defense in case of any suspicious transactions or blacklisted customers should be reported to Branch Management.
• Check and print customers information in Acuity Watchlist and print the results to be included with the account documentations.
• Report fund transfers, illegal source cash deposits or suspicious persons visiting the bank to Branch Manager if noticed as customer service is always in the front line.
• Update Branch Notice Board with the official announcements for customers and general public.

Other tasks

• Ensure bank policies and procedures are followed.
• Any other additional responsibility given by supervisor.

Qualifications:

• Having bachelor degree in business administration, economics, finance, accounting, management with 1 years’ experience or Baccalaureates with 2 years working experience.
• the experiences should be relevant to the field or in similar to field.
• Have excellent verbal and written communication skills of English and local languages.
• Be organized and able to prioritize workload.
•  To meet deadlines to promote customer service.
• Be able to respond to customer demands and solve problems.
• Be well motivated, enthusiastic and able to work on initiative and be able to have fun.
• Be able to think bigger picture and appreciate where the role fits into the business.
• Presentable dressing, extrovert in nature, open minded person, patience and good listener.
• Good computing and accounting skill.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

About FMFB-A:

As a background, FMFB-A started its operation in 2004, and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

The incumbent of the position is responsible for extending the timely and quality administrative support to the Branch Management, sorting, organizing and management of branch documents including customer files and title deeds. Branch Assistant has back office role and works very closely with branch clerks to ensure that branch documentations and filing is well organized. Branch Assistant is also responsible for scanning hard copy documents in the branch and make sure proper arrangement of the documents after scanning.

Branch Assistant will also work very closely with Archive Unit in Head Office to ensure old documents are archived on timely basis so that enough space is available in the branch. Branch Assistants also identifying the branch stationary needs and collaborating with Branch Clerk for addressing the logistics issues in a timely manner, collaboration with logistics for timely procurement and logistics services, etc.

Job Details:

Title	Branch Assistant	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-time	Closing date	November 8, 2024
Duration	Permanent	Location	Sari Pul Branch
Vacancy No.	FMFB-HR-0151-2024	Gender	Male

Duties and Responsibilities:

• Sort, organize, management and archive all branch hard copy documents including but not limited to customer files and title deeds.
• Scan all the documents like account opening forms, loan application forms, Online Banking forms, remittances and other documents for sending to centralized account opening Unit, Centralized Credit Admin Unit, Alternative Delivery channel Unit and Payment Unit in Head Office.
• Creating KYC number and CIF in Flexcube after receiving complete documents from CRO/Saving Officer/Account Officer.
• Organize title deeds in the branch and make sure no one else should have access to sensitive documents without written approval of Branch Manager or his designate as per archive policy and procedures.
• Keep and maintain branch archive keys to protect documents.
• Fill handover forms and making sure written approval is there for any handover of title deed to any staff.
• Fill the forms for the physical movement of the documents and make sure authorized signature is completed for physical movement and handover of documents.
• Manage Branch admin and logistical needs in coordination with Operation and Professional Services Department.
• Assist the DBM for Credit Committee Meeting documentations and help with printing client loan contracts.
• Assist the CRO, Relationship Officer, Account Officer and other front-line staff in updating KYC process of customers by scanning the documents and sending to relevant Head Office Unit.
• Making sure that branch archive and records are kept clean.
• Any other task assigned by the respective supervisor/s.

Qualifications:

• Bachelor Degree in Business Administration or related to the field, with one years of experience or baccalaureates with two years of experience.
• The experience should be related to the field or administrative field.
• Good understanding and knowledge of loan documentations, account opening and KYC related documents.
• Good command of written and spoken English, reasonably computer literate, good interpersonal and communication skills.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

About FMFB-A:

As a background, FMFB-A started its operation in 2004, and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in over different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job purpose:

Deputy Branch Operations Manager is responsible for the entire operations of a branch to ensure there is sufficient internal controls in place and overall branch operation. The incumbent of this position is responsible for supervising customer services and customer care ensuring high quality customer service and after sales service. The position is also responsible to make sure that bank policy and procedures are fully complied with regards to processing transactions in the Flexcube, managing and handling cash in transits and cash in vault.

Job Details:

Title	Deputy Branch Operation Manager	# of Vacancies	1
Nationality	Afghan	Grade, Salary	Bank Salary Scale
Type	Full time	Closing date	November 12, 2024
Duration	Regular (Permanent)	Location	Kunduz Branch
Vacancy. #	FMFB-HR-0148-2024	Gender	Male

Position Duties and responsibilities:

1- Internal Control Responsibilities:

• Ensure due diligence in authorization of transactions in Flexcube for cash transactions and customer onboarding/account opening.
• Ensure documents, vouchers and supporting documents related to transactions are reviewed properly and due diligence is made.
• Ensure compliance with bank operation manual, AML and CFT policy with regards to all branch operation.
• Checking and review of cash reconciliations, End of Day process and system user profile access.
• Supervise and monitor process of updating documentations, KYC and audit findings related to branch operation.
• Manage and supervise cash replenishments to ATMs and its reconciliations.
• Take round of Branch every day including vault to report any sign of tempering to security and operation department.

2- Customer Service Responsibilities:

• Ensure customers are received and treated politely with respect in the branch.
• Ensure that front line staff dressing is as per HR policy on dress code.
• Manage and supervise opening of cashier till and running start of day in the system if required on time and ensure staff are ready to serve customers at official hours/counter timing.
• Ensure following basic branch operation requirements are available.
• Sufficient funds available on cashier counter.
• Sufficient forms are available with customer service area, printed stationery and updated stamps are available.
• Availability of necessary marketing materials i.e. Brochures, standees etc. are available at right place.
• Complain Box, customer literacy booklets, leaflets, serviceability of security equipment.
• Ensure that right person is at right place to serve customers as success of branch operation mainly depend on workplace efficiency.
• Branch Environment i.e. cleanliness, proper Branch lighting, suitable temperature etc.
• Handle Corporate customers when they visit branch.

3- Sales and Marketing Responsibilities:

• Ensure timely account opening of customers and growing deposits.
• Ensure timely issuance of various cards including Af Pay Cards, MasterCard or any another card.
• Ensure cross selling and upselling of products and services including online banking, mobile wallet and other services of the bank when customer visit branch.
• Provide information to branch visitors especially corporate clients on bank products and services.
• Ensure promotion of Bank products and services to visiting potential customers.
• Coordinate with Relationship Manager in Operation Department and Marketing department for marketing materials and communicating customer feedback.

4- Other Responsibilities:

• Ensure to on job training of all operation staff on technical aspects of their job and build branch staff capacities.
• Manage and Supervise petty cash and branch related logistical/administrative needs of the branch i.e. monthly branch requests, fuel or any other branch needs.
• Any other responsibility assigned by Branch Manager in coordination/approval from Branch Operation Manager.

Qualification:

1. Having bachelor degree in business Administration or related to the position with four years of Banking experience.
2. Four-year experiences should be in commercial banking, banking operation, general banking, branch management and compliance, or related field.
3. Good command of written and spoken multiple languages with minimum proficiency level on English, Persian.
4. With formal and regular dressing to highly represent FMFB for clients.
5. Good skill of people to attract clients while visiting branch.
6. To have good knowledge of computer MS programs, especially excel.
7. To have good knowledge of banking with good skill of leadership and management.
8. Good presentation and excellent courtesy attitude.
9. Ability to communicate and to maintain good relation with the clientele; good presentation skills and excellent courteous attitude.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

The incumbent of the position is responsible to mobilize deposit by selling CASA products and services. The position shall be responsible for visiting customers and introducing FMFB-A products and services to potential depositors. Relationship officer shall be responsible to identify potential depositors, plan visits after analyzing their needs, offer products and services which are required by the potential customers. The Relationship Officer shall be also involved in promotions, marketing and PR activities with focus on deposit growth. The position shall have targets for mobilizing deposits and incentives will be paid based on the deposit incentive system.

Job Details:

Title	Relationship Officer	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Duration	Temporary	Closing date	November 10, 2024
Type	Full Time	Gender	Male
Vacancy. #	FMFB-HR-0147-2024	Location	Samangan Branch

Duties and Responsibilities:

• Identify and analyze potential customer needs.
• Visit potential depositors both retail and corporate depositors to offer bank products and services to achieve and exceed deposit targets.
• Ensure to facilitate and follow up on customer issues internally and manage deposit attritions.
• Attend sales, marketing and promotion activities of the bank including exhibitions and marketing campaigns.
• Actively participate in bidding process for large deposits from government institutions including bulk payroll processing.
• Work with Relationship Manager to communicate customer needs and demands, share feedbacks, inform about other bank products and services to maintain awareness on deposit products, services and pricing to remain competitive in the market.
• Regularly attend sales meetings, engage with Branch Management and Relationship Manager for deposit mobilization.
• Visit high net worth customers on regular basis to ensure that relationship is maintained and conduct presentations of new deposits schemes to existing customers and to new potential customers.
• Assist the marketing team or any other independent customer satisfaction surveys and data collections.

Qualifications:

• Having bachelor degree in business administration, economics, finance, accounting, management with 1 years’ experience or Baccalaureates with 2 years working experience.
• The experiences should be in sales and marketing or relevant to the field or in similar to field.
• Having knowledge for usage and features of various card schemes, transaction-based services, ATM, POS, CASA products.
• Having knowledge of various core banking systems and AML/CFT requirements.
• High level proficiency in spoken and written English, good command of the predominant local languages – Dari and Pashto.
• Good command on MS Excel and PowerPoint presentation.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.